BlastPoint's Banking Scorecard

Bank of Guam

$1B-$10B Specialty: Commercial GU FDIC cert 20884

Designations: ✓ Minority Depository Institution

Hagatna, GU

16 branches across GU · FM · MP · CA · MH · PW

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 1 in GU.
Deposits +22.2% year over year ($3.0B on the books).
Delinquency rate 1.92%.
Return on assets 0.63%.
Efficiency ratio 80.00% vs a 59.73% peer average.
Loan-to-deposit ratio 58.98% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 1 in GU

View $1B-$10B leaderboard (GU) →

Bank of Guam has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 71.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Ratio 20.27% above tier average
- Delinquency Rate 1.06% above tier average
- ROA 0.76% below tier average

Get updates when Bank of Guam releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GU)	National Avg	Tier Percentile
Total Assets ?	$3.2B +20.6% YoY +3.0% QoQ	+$442.7M	$2.8B -0.6% YoY	$1.7B +19.7% YoY	$6.3B +7.7% YoY	73%
Total Loans ?	$1.7B +7.5% YoY +3.0% QoQ	-$217.4M	$2.0B -0.3% YoY	$919.7M +7.0% YoY	$3.2B +9.4% YoY	60%
Total Deposits ?	$3.0B +22.2% YoY +3.2% QoQ	+$641.1M	$2.3B -0.5% YoY	$1.6B +21.3% YoY	$4.9B +7.3% YoY	77%
Return on Assets ?	0.63% -15.9% YoY -12.6% QoQ	-0.76%	1.39% +17.0% YoY	0.67% +0.1% YoY	1.30% +12.1% YoY	Bottom 10.7% in tier
Net Interest Margin ?	4.38% -12.6% YoY +0.0% QoQ	+0.51%	3.87% +6.2% YoY	4.92% -7.9% YoY	3.95% +4.9% YoY	83%
Efficiency Ratio ?	80.00% +5.1% YoY -1.8% QoQ	+20.27%	59.73% -12.6% YoY	81.31% +1.6% YoY	70.05% +2.5% YoY	Bottom 6.9% in tier
Delinquency Rate ?	1.92% -38.4% YoY +22.8% QoQ	+1.06%	0.87% +11.7% YoY	2.49% -36.7% YoY	0.98% +16.3% YoY	Bottom 9.5% in tier
Loan-to-Deposit Ratio ?	58.98% -12.1% YoY -0.2% QoQ	-26.05%	85.04% -0.1% YoY	57.50% -10.1% YoY	79.03% +2.3% YoY	Top 6.7% in tier
Non-Interest-Bearing Deposit Share ?	31.55% -11.9% YoY +2.7% QoQ	+10.28%	21.27% -1.5% YoY	32.41% -4.0% YoY	21.98% -0.6% YoY	Top 12.0% in tier
Nonperforming Asset Ratio ?	1.04% -45.1% YoY +22.9% QoQ	+0.36%	0.67% +11.7% YoY	1.42% -35.3% YoY	0.69% +15.8% YoY	21%
Tier 1 Capital Ratio ?	14.01% -5.0% YoY -2.0% QoQ	-0.83%	14.84% -0.4% YoY	20.41% +2.1% YoY	17.09% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.74% -18.3% YoY +93.4% QoQ	+0.21%	0.53% +2.5% YoY	0.58% -16.2% YoY	0.66% +5.2% YoY	Top 10.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (GU)	National Avg	Tier Percentile
Noninterest-Bearing	31.5% -4.3pp YoY +0.8pp QoQ	+10.2pp	21.4%	32.4%	22.2%	88%
Brokered Deposits	n/a	n/a	9.5%	n/a	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GU)	National Avg	Tier Percentile
C&I	12.0% -0.5pp YoY +0.9pp QoQ	-2.0pp	14.0%	12.0%	12.5%	55%
CRE	59.0% +1.9pp YoY -0.3pp QoQ	+9.0pp	50.0%	40.1%	41.4%	74%
1-4 Family	11.8% -0.6pp YoY +0.3pp QoQ	-14.7pp	26.4%	29.8%	31.3%	22%
Consumer	15.2% -0.5pp YoY -0.6pp QoQ	+10.5pp	4.7%	17.6%	5.0%	92%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GU)	National Avg	Tier Percentile
CET1 Ratio	14.0% -0.7pp YoY -0.3pp QoQ	-1.6pp	15.6%	20.4%	19.7%	58%
Leverage Ratio	8.3% -0.9pp YoY -0.2pp QoQ	-3.0pp	11.3%	10.1%	12.6%	4%
Total Capital Ratio	15.3% -0.7pp YoY -0.3pp QoQ	-1.4pp	16.7%	21.6%	20.8%	60%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GU)	National Avg	Tier Percentile
Full-Time Employees	532 +2 (+0.4%) YoY +3 (+0.6%) QoQ	+218	313	312	482	85%
Assets per Employee ($)	$6.1M +20.1% YoY +2.4% QoQ	-$4.4M	$10.5M	$4.1M	$8.8M	13%
Branch Count	1 0 YoY 0 QoQ	-19	20	1	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GU)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.1pp YoY +0.1pp QoQ	0.0pp	0.2%	0.6%	0.4%	86%
Nonaccrual	1.8% -1.3pp YoY +0.3pp QoQ	+0.9pp	0.8%	1.9%	1.0%	90%
Allowance Coverage	0.95x +48.2% YoY -15.1% QoQ	-17.76x	18.71x	0.64x	20.23x	21%
Net Charge-off Rate (YTD)	0.2% -0.2pp YoY 0.0pp QoQ	0.0pp	0.3%	0.3%	0.2%	82%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GU)	National Avg	Tier Percentile
ROE	8.7% -0.9pp YoY -1.1pp QoQ	-3.9pp	12.6%	7.4%	11.6%	24%
Cost of Funds (YTD)	0.8% +0.4pp YoY 0.0pp QoQ	-1.1pp	1.9%	0.4%	1.7%	3%
Net Income ($, YTD)	$9.9M -1.0% YoY — QoQ	-$9.4M	$19.2M	$5.3M	$40.4M	39%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#58 of 80 • Top 71.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 31.55%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.38%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 58.98%

Peer Median: 85.04%

#60 of 885 Top 6.7% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.74%

Peer Median: 0.53%

#90 of 885 Top 10.1% in $1B-$10B

107

Non-Interest-Bearing Deposit Share

funding

Value: 31.55%

Peer Median: 21.27%

#107 of 885 Top 12.0% in $1B-$10B

150

Net Interest Margin

profitability

Value: 4.38%

Peer Median: 3.87%

#150 of 885 Top 16.8% in $1B-$10B

205

Total Deposits

size

Value: $2.96B

Peer Median: $2.32B

#205 of 885 Top 23.1% in $1B-$10B

Top Weaknesses (4 metrics)

825

Efficiency Ratio

profitability

Value: 80.00%

Peer Median: 59.73%

#825 of 885 Bottom 6.9% in $1B-$10B

799

Delinquency Rate

credit_quality

Value: 1.92%

Peer Median: 0.87%

#799 of 882 Bottom 9.5% in $1B-$10B

791

Return on Assets

profitability

Value: 0.63%

Peer Median: 1.39%

#791 of 885 Bottom 10.7% in $1B-$10B

701

Nonperforming Asset Ratio

credit_quality

Value: 1.04%

Peer Median: 0.67%

#701 of 885 Bottom 20.9% in $1B-$10B